How much does travel insurance cost in Quebec in 2026?
The price of travel insurance depends on your age, destination, duration, and amount of coverage. Here are the indicative ranges for 2026 and how to pay the right price.
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A medical emergency abroad can cost tens of thousands of dollars, and the RAMQ only reimburses a minimal fraction of the expenses incurred outside of Quebec. Travel insurance protects your budget — but how much should you expect to pay? The price varies greatly from traveler to traveler. This page presents the indicative price ranges observed in Quebec in 2026 and concrete levers to reduce your premium without sacrificing your protection.
Important: these amounts are provided for informational purposes only and vary according to your profile. Your exact premium is determined after analysis by an insurance broker from a certified AMF partner firm.
What is the average price of travel insurance?
There is no “one-size-fits-all” price: a one-week medical travel insurance for a healthy adult often ranges between $20 and $60, while an extended stay for a traveler aged 65 and older with medical history can exceed $1,000. The table below summarizes the indicative ranges by type of protection.
The 6 factors that affect the price
1. Age
This is the number one factor. The pri “““html me increases in increments, generally starting at 60, 65, and 70 years old, as the risk of medical emergencies increases.
2. Health Status
Pre-existing medical conditions can raise the premium or require a stability period. Declaring them properly avoids a claim denial.
3. Destination
The United States is the most expensive destination to insure due to the cost of care. A trip “outside Canada/U.S.” sometimes costs less.
4. Duration
The longer the stay, the higher the premium. Beyond a few trips a year, an annual plan often becomes more economical.
5. Coverage Amount
Medical coverage of $1 to $5 million is recommended. A higher limit slightly increases the premium but protects against major hospital bills.
6. Deductible
Choosing a deductible (amount you pay) reduces the premium. Assess according to your risk tolerance.
Indicative Price Ranges by Type (Quebec, 2026)
| Type of Protection | Typical Profile | Indicative Range |
|---|---|---|
| Single Trip — Medical Only | Healthy Adult, 1 week | $20 – $60 |
| Single Trip — Family | 2 Adults + Children, 1 week | $60 – $150 |
| Snowbird / Long Stay | 60–75 years old, 3 to 6 months in the U.S. | $300 – $1,500+ |
| Annual Multi-Trip Plan | Frequent Traveler | $150 – $400 |
| Cancellation / Interruption Insurance | % of Total Trip Cost | 4% – 8% of the trip |
| Visitors to Canada / Super Visa | Minimum coverage of $100,000 required | $100 – $250 / month |
| Student Abroad | Depending on the country and duration | $30 – $90 / month |
Indicative prices only, for informational purposes — they vary based on profile, destination, and insurer. The actual premium is determined after analysis by an insurance broker from a partner firm certified by the AMF.
How to Pay the Right Price
The Right Reflex Before Booking
Purchase your cancellation insurance at the time of paying for your trip: cancellation coverage only applies if it is in effect before the unforeseen event. For the medical portion, ensure it starts as soon as you leave.
The RAMQ Covers You Very Little Abroad
Outside of Quebec, the RAMQ only reimburses a fraction of the costs (often a few dozen dollars per day of hospitalization), far from the actual cost of an emergency abroad. Traveling without travel insurance exposes you to bills that can reach tens of thousands of dollars.
Frequently Asked Questions
What is the average price of travel insurance in Quebec?
For a healthy adult, medical coverage for one week often ranges between $20 and $60. The price increases with age, duration, and medical conditions. These amounts are indicative and vary based on the profile.
How much does travel insurance cost for a snowbird aged 65 and over?
For an extended stay of 3 to 6 months in the United States, the premium frequently ranges between $300 and over $1,500, depending on age, health status, and duration. Comparing multiple insurers is essential at this age.
Is it cheaper to take an annual multi-trip plan?
Often yes, as soon as you travel more than two or three times a year. An annual plan (approximately $150 to $400 as an indicative price) covers several trips of a maximum given duration each.
Does my credit card already cover my trip?
Some cards offer partial protection (often limited in duration and age). Check the medical limit, maximum duration, and exclusions; dedicated insurance generally fills the gaps.
How much does cancellation insurance cost?
It generally represents 4% to 8% of the total trip cost. It is especially worthwhile for non-refundable trips (packages, cruises).
Do I need to declare my health issues?
Yes. An accurate declaration of your pre-existing conditions is essential: an omission can lead to a claim denial, regardless of the price paid.
What medical coverage should I choose?
A coverage of $1 to $5 million is generally recommended, particularly for the United States where hospital costs are very high.
How can I get the best price?
The most effective way is to compare quotes from several insurers for equivalent protection. Assur360 connects you for free with partner firms and brokers certified by the AMF who shop for you.
Why Compare with Assur360
Assur360 is an independent comparison platform. We do not sell insurance: we connect you with partner firms and brokers certified by the AMF who compare offers for you.
- Free and no-obligation comparison
- Partner firms and brokers certified by the AMF (regulated by the Chamber of Insurance)
- Fact-based information: indicative prices, premium established after analysis of your profile
- More than 100,000 Quebecers guided towards the right protection
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